Courtesy Pay

What Is Courtesy Pay?

Courtesy Pay is a great new service that adds a measure of protection to your checking account. It can temporarily cover purchases and payments when sufficient funds are not available in your account. Courtesy Pay is not a loan and your checking account must be brought to a positive balance within 35 days.

Will be cleared up with your next deposit
No charge unless Courtesy Pay is accessed

Courtesy Pay Covers The Following Transactions:

Checks
Check card transactions (government regulations now require your approval for Check Card transactions).
ACH transactions (automatic debits from your checking account)
Bill Payer
Online Banking Bill Pay

Courtesy Pay Does Not Cover The Following Transactions:

ATM transactions
In-person teller transactions
Online banking transactions

Why Is Courtesy Pay For Me?

Saves you fees from retailers
Peace of mind from check collectors
Saves you the embarrassment of having purchases denied
Keeps your name in good standing with merchant verification systems

How Do I Sign Up For Courtesy Pay?

There is no application for this service. Members who have a checking account with Metro Credit Union and qualify, receive this courtesy automatically. Metro will automatically set a specific limit for your checking account. Eligibility requirements apply.

Does This Replace My Line of Credit?

No. If you have established other protection methods, such as a Line of Credit or automatic transfer from your other Metro accounts, we will always pay overdrafts by utilizing those other methods first.

Can I Opt Out Of This Courtesy Pay Program?

An account may be removed from Courtesy Pay protection at the account holder's request. The account will be removed from coverage and any non-sufficient fund items presented on the account will be returned.

Need More Information?

To learn more, contact one of Metro's friendly Financial Service Representatives at: 402.551.3052.